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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,808 | $88,672+17.1% | $105,223-1.3% | $82,448+25.9% |
| Participation rate | 46.4% | 67.9%-21.5pp | 75.0%-28.6pp | 68.1%-21.6pp |
| Annual return | 9.62% | 30.86%-21.2pp | 180.65%-171.0pp | 41.64%-32.0pp |
| Employer contribution / active EE | $631 | $3,048-79.3% | $3,689-82.9% | $2,551-75.3% |
| Participant deferral / active EE | $3,709 | $4,036-8.1% | $5,072-26.9% | $4,139-10.4% |
| Admin fee / account holder | $26,255 | $7,146+267.4% | $8,859+196.4% | $7,234+262.9% |